Krungthai Card PCLKGTHY 69 ROE % is 19.00% as of Mar. 2026, which is 23% below its 10-year median of 24.71. GuruFocus rates KGTHY with a GF Score™ of 69/100 and a GF Value™ of $15.00 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 529 Credit Services companies, Krungthai Card PCL ranks better than 85.82% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Krungthai Card PCL ROE % Related Terms
Krungthai Card PCL ROE % Historical Data
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The historical data trend for Krungthai Card PCL's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Krungthai Card PCL's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Krungthai Card PCL ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Krungthai Card PCL's ROE % distribution charts can be found below:
* The bar in red indicates where Krungthai Card PCL's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Krungthai Card PCL (KGTHY) has a ROE % of 19.00% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Krungthai Card PCL and its competitors. This is 23% below median its historical median of 24.71. Over the past decade, Krungthai Card PCL's ROE % has ranged from 18.54 to 35.53. According to the industry distribution chart, Krungthai Card PCL ranks #75 out of 529 companies in the Credit Services industry, placing it in the top 14.2%.
Is Krungthai Card PCL's ROE % too high?
Krungthai Card PCL's current ROE % of 19.00% is 23% below median its 10-year median of 24.71. Over the past 10 years, this metric has ranged from a low of 18.54 to a high of 35.53. The Credit Services industry median ROE % is 6.61. Krungthai Card PCL's value of 19.00% is 187.4% above this industry median. Based on the distribution chart, Krungthai Card PCL ranks #75 out of 529 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Krungthai Card PCL has a GF Score™ of 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Krungthai Card PCL ranks #75 out of 529 companies for ROE %. This places Krungthai Card PCL in the top 14% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. Krungthai Card PCL's value of 19.00% is 187.4% above this benchmark. Historically, Krungthai Card PCL's own ROE % has ranged from 18.54 to 35.53 over the past decade. While the company's 10-year median is 24.71 vs. the industry median of 6.61, Krungthai Card PCL has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Krungthai Card PCL's current ROE % of 19.00% is 187.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Krungthai Card PCL and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krungthai Card PCL's current ROE % is 19.00%, which is 23% below median its own 10-year median of 24.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krungthai Card PCL stock overvalued right now?
Based on GuruFocus' analysis, Krungthai Card PCL (KGTHY) is currently considered Significantly Undervalued. The stock's GF Value™ is $15.00, compared to a current price of $9.38 — trading 37.5% below its estimated fair value. The current ROE % is 19.00%, which is 23% below median its 10-year median of 24.71 and 187.4% above the Credit Services industry median of 6.61. Krungthai Card PCL's overall GF Score™ is 69/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Krungthai Card PCL (KGTHY), the current ROE % is 19.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Krungthai Card PCL (KGTHY) Overvalued in 2026?
Based on GuruFocus' analysis, Krungthai Card PCL stock appears to be undervalued.
The current stock price of $9.38 is trading 37.5% below its estimated GF Value™ of $15.00.
GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.
Key valuation signals for KGTHY:
ROE %: 19.00% (23% below median its 10-year median of 24.71)
GF Value™: $15.00 vs. price of $9.38 (37.5% below fair value)
Industry Position: 187.4% above the Credit Services median (#75 of 529)
No single metric tells the full story. See the KGTHY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Krungthai Card PCL engaged in credit cards, personal loans and other related businesses. The Company provides services such as Credit Cards, Personal Loans, KTC Brother Boom Money, MAAI by KTC, Shop business and many. The company operations relate to a single business segment which is the financial services business and are carried out in a single geographic area which is Thailand.
69GF Score
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